IOB SO Recruitment 2026 – Quick Summary
| Organization | Indian Overseas Bank (IOB) |
| Advertisement No. | HRDD/RECT/04/2026-27 dated 28.08.2026 |
| Posts | Generalist & Specialist Officers (14 Post Codes) |
| Total Vacancies | 291 Posts |
| Grades | JMGS-I | MMGS-II | MMGS-III |
| Pay Scale | JMGS-I: ₹48,480–₹85,290 | MMGS-II: ₹64,820–₹93,960 | MMGS-III: ₹85,920–₹1,05,280 |
| Application Fee | ₹1,000/- (Gen/OBC/EWS) | ₹175/- (SC/ST/PwBD) |
| Selection Process | Online Exam (80%) + Interview (20%) |
| Exam Centres | Delhi/NCR | Mumbai | Chennai | Kolkata | Hyderabad ✅ | Bengaluru |
| Can Apply for Multiple Posts? | Yes — subject to fulfilling eligibility criteria for each post |
| Apply Online Start | 29 August 2026 |
| Last Date to Apply | 15 September 2026 |
| Eligibility Cut-off | 01 August 2026 |
| Official Website | www.iob.bank.in |
Important Dates
| Event | Date |
|---|---|
| Online Registration & Fee Payment Opens | 29 August 2026 |
| Last Date – Online Registration & Fee Payment | 15 September 2026 |
| Eligibility Cut-off Date | 01 August 2026 |
Post-wise Vacancy Details
| Code | Post Name | Grade | Total | SC | ST | OBC | EWS | GEN |
|---|---|---|---|---|---|---|---|---|
| 01 | Manager – Branch Management (Generalist) | MMGS-II | 100 | 15 | 7 | 27 | 10 | 41 |
| 02 | Manager – IT | MMGS-II | 65 | 10 | 5 | 18 | 7 | 25 |
| 03 | Manager – Information Security | MMGS-II | 5 | 1 | 1 | 2 | 1 | 0 |
| 04 | Manager – IS Audit | MMGS-II | 5 | 1 | 1 | 2 | 1 | 0 |
| 05 | Senior Manager – IT | MMGS-III | 10 | 2 | 1 | 3 | 1 | 3 |
| 06 | Senior Manager – Information Security | MMGS-III | 3 | 1 | 0 | 1 | 1 | 0 |
| 07 | Senior Manager – IS Audit | MMGS-III | 2 | 1 | 1 | 0 | 0 | 0 |
| 08 | Senior Manager – Database Administrator | MMGS-III | 10 | 1 | 0 | 2 | 1 | 6 |
| 09 | Senior Manager – Network Administrator | MMGS-III | 5 | 0 | 0 | 1 | 0 | 4 |
| 10 | Senior Manager – Cyber Security Administrator | MMGS-III | 5 | 0 | 0 | 1 | 0 | 4 |
| 11 | Manager – Credit | MMGS-II | 35 | 8 | 3 | 11 | 2 | 11 |
| 12 | Senior Manager – Credit | MMGS-III | 15 | 2 | 1 | 4 | 1 | 7 |
| 13 | Senior Manager – Risk | MMGS-III | 6 | 1 | 0 | 1 | 1 | 3 |
| 14 | Assistant Manager – Security | JMGS-I | 25 | 3 | 1 | 6 | 2 | 13 |
| Total | 291 | 46 | 21 | 79 | 28 | 117 | ||
PwBD Reservation: HI-4 | OC-5 | VI-2 | ID-1 across applicable posts.
Pay Scale & Salary
| Grade | Pay Scale | Starting Pay |
|---|---|---|
| JMGS-I (Post 14) | ₹48,480 – 2000×7 – 62,480 – 2340×2 – 67,160 – 2680×7 – 85,290 | ₹48,480/month |
| MMGS-II (Posts 01–04, 11) | ₹64,820 – 2340×1 – 67,160 – 2680×10 – 93,960 | ₹64,820/month |
| MMGS-III (Posts 05–10, 12–13) | ₹85,920 – 2680×5 – 99,320 – 2980×2 – 1,05,280 | ₹85,920/month |
Plus DA, HRA, CCA and other allowances. Specialist Officers (MMGS II/III) also get during probation: Conveyance expenses, Newspaper cost, Mobile/telephone expenses, Residential furniture, Bank-owned quarters or leased accommodation.
Application Fee
| General / OBC / EWS | ₹1,000/- (incl. GST) — Non-refundable |
| SC / ST / PwBD | ₹175/- (Intimation charges only, incl. GST) |
Payment via Debit Card / Credit Card / Internet Banking / BHIM / UPI.
Post-wise Eligibility Criteria
Post 01 – Manager (Branch Management) | 100 Posts | MMGS-II
Age: 23–33 years | Qualification: Graduation (any discipline) | Experience: 3 years as Officer in any Scheduled Public/Private Sector Bank, of which at least 2 years in Branch Banking. Experience as Scale-I Branch Head preferred. Probation: 6 months | Posted as Branch Head on completion of probation.
Post 02 – Manager (IT) | 65 Posts | MMGS-II
Age: 25–35 years | Qualification: B.E./B.Tech (CS/IT/ECE/Electronics & Instrumentation) OR MCA OR M.Sc. (CS/IT) | Experience: 5 years post-qualification IT experience including at least 3 years in Banking/BFSI. Mandatory hands-on experience in one of: Full Stack Dev, OS Administration, Network Administration, Cloud Engineering, Storage Administration, Database Administration, Domain/IAM, Automation, ITSM, BCP/DR, Virtualization, DevOps, DevSecOps, Middleware Administration, IT Procurement.
Post 03 – Manager (Information Security) | 5 Posts | MMGS-II
Age: 22–32 years | Qualification: B.E./B.Tech or M.E./M.Tech in CS/IT/ECE/Cyber Security/Information Security | Experience: 2 years in at least any three domains: Web Application Security Testing, Mobile App Security (Android/iOS), API Security Assessment, Source Code Review (SAST), DAST, AI/LLM security testing, Red Team activities. BFSI experience preferred. Certifications: GIAC/eJPT/eWPT/OSCP/OSWA/CompTIA Security+/PenTest+/PNPT etc.
Post 04 – Manager (IS Audit) | 5 Posts | MMGS-II
Age: 22–32 years | Qualification: B.E./B.Tech or M.E./M.Tech/MCA in CS/IT/ECE/Cyber Security | Experience: 2 years — minimum 1 year in IS/IS Audit/Cyber Security Audit in Banking/BFSI OR 2 years IT experience in banking application development using Secure by Design. Mandatory certifications: CISA/CISSP/ISO 27001:LA/OSCP.
Post 05 – Senior Manager (IT) | 10 Posts | MMGS-III
Age: 28–38 years | Qualification: Same as Post 02 | Experience: 8 years IT experience including at least 5 years in Banking/BFSI. Managing mission-critical production systems, digital banking platforms. Same domain specialization as Post 02 required.
Posts 06–07 – Senior Manager (IS / IS Audit) | 5 Posts | MMGS-III
Age: 25–35 years | Experience: 5 years with 3+ years in IS/IS Audit in Banking/BFSI. Same domains as Posts 03–04 but at senior level. Mandatory: CISA/CISSP/ISO 27001:LA/OSCP.
Post 08 – Senior Manager (Database Administrator) | 10 Posts | MMGS-III
Age: 28–38 years | Qualification: B.E./B.Tech (CS/IT/ECE) or MCA or M.Sc.(CS/IT) | Experience: 8 years in DBA, of which 5 years in Production DBA and at least 3 years in Banking/BFSI. Mandatory: Oracle DBA (11g/12c/19c/21c), MS SQL Server, Performance Optimization, 24×7 Production Incident Management. Mandatory certification: OCA or OCP.
Post 09 – Senior Manager (Network Administrator) | 5 Posts | MMGS-III
Age: 25–35 years | Qualification: B.E./B.Tech or M.Tech in CS/IT/ECE/Electronics & Instrumentation or MCA | Experience: 5 years in Network Operations including security using Cisco FTD and Checkpoint Firewalls. Mandatory: CCNA Routing & Switching/CCNA Security/CCSE.
Post 10 – Senior Manager (Cyber Security Administrator) | 5 Posts | MMGS-III
Age: 25–35 years | Qualification: B.E./B.Tech or M.E./M.Tech in CS/IT/ECE/Cyber Security/Information Security | Experience: 5 years in any two domains: Forensic Analysis/Incident Response, SIEM/XDR, Web Application/API Security, IAM/AD/PAM, AI Security, Network Security. Preferred certs: CISSP/OSCP/CCNP/CCNP-Security/CCIE/CCSP/CHFI/OSAI.
Post 11 – Manager (Credit) | 35 Posts | MMGS-II
Age: 23–33 years | Qualification: Graduation + MBA(Finance)/PGDBA/PGDBM/MMS(Finance) OR CA OR CMA | Experience: 3 years post-qualification in Bank/FI, of which 2 years in credit domain. MSME/Corporate Advances experience preferred.
Post 12 – Senior Manager (Credit) | 15 Posts | MMGS-III
Age: 25–35 years | Qualification: Same as Post 11 | Experience: 6 years post-qualification in Bank/FI, of which 4 years in credit domain.
Post 13 – Senior Manager (Risk) | 6 Posts | MMGS-III
Age: 25–35 years | Qualification: Graduation + MBA(Finance)/PGDM/MFM/MFC/M.Sc. in Math/Statistics/Economics OR Graduation + FRM certification from GARP-USA/PRMIA | Experience: 5 years as Officer in PSB/Private Bank/NBFC/FI in Risk, Credit, Forex, Treasury or Finance.
Post 14 – Assistant Manager (Security) | 25 Posts | JMGS-I
Age: 30–45 years | Qualification: Graduation + Computer/IT certification course (minimum 3 months) | Who Can Apply: Retired Junior Commissioned Officer (JCO) with min. 5 years in JCO rank from Army/Navy/Air Force OR Police Inspector/Sub-Inspector (min. 5 years as Sub-Inspector and above) OR Paramilitary equivalent (Inspector rank, 5 years as Sub-Inspector and above). SHAPE-1 or equivalent medical standard. Exemplary character. Probation: 2 years. Bond: ₹2 Lakhs.
Age Relaxation
| Category | Age Relaxation |
|---|---|
| SC / ST | 5 years |
| OBC (Non-Creamy Layer) | 3 years |
| PwBD | 10 years |
| Ex-Servicemen | 5 years |
| 1984 Riot Affected | 5 years |
Selection Process
Online Examination Pattern (All Posts – 100 Marks, 2 Hours)
Post 01 (Branch Management):
| Section | Questions | Marks | Duration |
|---|---|---|---|
| English Language | 25 | 25 | 30 min |
| Professional Knowledge (Banking Law & Practice, Indian Economy, Principles of Banking, Accounting & Financial Management) | 75 | 75 | 90 min |
| Total | 100 | 100 | 2 Hours |
All Other Posts (JMGS-I / MMGS-II / MMGS-III):
| Section | Questions | Marks | Duration |
|---|---|---|---|
| English Language | 25 | 25 | 30 min |
| General Awareness (Banking Industry) | 25 | 25 | 30 min |
| Professional Knowledge (post-specific) | 50 | 50 | 60 min |
| Total | 100 | 100 | 2 Hours |
📌 Negative marking: ¼ mark deducted per wrong answer. No penalty for unanswered questions. Minimum qualifying marks in Professional Knowledge: 35% (General/EWS) | 30% (Reserved). Final merit: Online Exam (80%) + Interview (20%). Interview minimum: 50% (General) | 45% (Reserved).
Service Bond
| JMGS-I (Post 14) | ₹2,00,000/- | Minimum 3 years service |
| MMGS-II & III (Posts 01–13) | ₹2,50,000/- | Minimum 3 years service |
How to Apply – IOB SO Recruitment 2026
- Visit www.iob.bank.in → Careers → “Recruitment of Generalist/Specialist Officers 2026-27”
- Apply via ibpsreg.ibps.in/iobgoaug26/
- Register online — note your Registration Number and Password
- Upload Photo (20–50KB), Signature (10–20KB), Left Thumb Impression (20–50KB) and Handwritten Declaration (50–100KB) — all JPG/JPEG
- Capture live photo via webcam or mobile (mandatory)
- Select post(s) — can apply for more than one if eligible
- Pay application fee online and save e-receipt
- Submit and take printout of application
Frequently Asked Questions – IOB SO Recruitment 2026
Q1. What is IOB SO Recruitment 2026?
Indian Overseas Bank (IOB) has announced 291 vacancies for Generalist and Specialist Officers across JMGS-I, MMGS-II and MMGS-III grades under Advt. No. HRDD/RECT/04/2026-27 dated 28.08.2026.
Q2. What is the last date to apply for IOB SO 2026?
The last date for online registration and fee payment is 15 September 2026.
Q3. Can I apply for more than one post?
Yes. Candidates may apply for more than one post subject to fulfilling the eligibility criteria for each post. A separate application and fee are required per post.
Q4. Is Hyderabad an exam centre for IOB SO 2026?
Yes. Hyderabad is one of the 6 identified exam centres — along with Delhi/NCR, Mumbai, Chennai, Kolkata and Bengaluru.
Q5. What is the salary for Manager MMGS-II in IOB?
Starting basic pay is ₹64,820/month (Pay Scale: ₹64,820–₹93,960) plus DA, HRA, CCA and all Bipartite Settlement allowances.
Q6. What qualification is needed for IOB Branch Management Manager (Post 01)?
Graduation in any discipline + 3 years as Officer in any Scheduled Public/Private Sector Bank, of which at least 2 years in Branch Banking. No IT or Finance specialization required — this is the Generalist Officer post.
Q7. What is the age limit for IT Manager (Post 02) in IOB?
Minimum 25 years, Maximum 35 years as on 01.08.2026. With OBC relaxation: up to 38 years. With SC/ST relaxation: up to 40 years.
Q8. Is there a service bond for IOB SO posts?
Yes. JMGS-I: ₹2 Lakhs (3 years service). MMGS-II & III: ₹2.5 Lakhs (3 years service). Breach of bond results in payment of the bond amount.
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Source: Official IOB Advertisement No. HRDD/RECT/04/2026-27 dated 28.08.2026 | iob.bank.in